The U.S. Surgeon General declared gun violence a public health crisis in 2024, with over 48,000 gun-related deaths in 2022 alone. Insurance companies are responding by offering active assailant and mass shooter policies that go beyond indemnification, incorporating prevention tools like crisis response training and collaboration with law enforcement. Despite these tools, brokers are not doing enough to promote them. State regulations, such as California’s new law mandating workplace violence prevention plans, are pushing employers to take action. Robert Hartwig emphasizes the complexity of the insurance industry’s role in addressing gun violence: “Insurers understand that this is a third rail issue…their role is to indemnify individuals… and [focus] on the mitigation of risk.” Read more by clicking here.